Pendleton County, WV Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 139 mortgage applications in Pendleton County, WV totaling $19.3 million, down 24% from 2022. The average application was for $138,000, and applicants reported an average income of $86,000. 49% of applications resulted in an originated loan and 22% were denied. The most active lender was Summit Community Bank, Inc, with 27 applications, followed by Pendleton Community Bank and The Grant County Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 139 |
| Total Mortgage Loan Application Amount | $19,305,000 |
| Average Mortgage Loan Application Amount | $138,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $385,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 3,890,541,000 | 27 | $ 2,165,000 |
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ 658,250,000 | 23 | $ 3,455,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 328,344,000 | 12 | $ 1,420,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 10 | $ 1,160,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 710,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 740,000 |
| Cbm Mortgage, Inc. 912 HOMETOWN WAY FRONT ROYAL, VA 22630 |
* | $ -1,000 | 4 | $ 900,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 755,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 3 | $ 315,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 615,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 210,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 109,180,139,000 | 2 | $ 60,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 2 | $ 130,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 280,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ -1,000 | 1 | $ 585,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ -1,000 | 1 | $ 75,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 135,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 155,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 65,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 135,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 1 | $ 85,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 215,000 |
| City National Bank 555 S FLOWER ST LOS ANGELES, CA 90071 |
* | $ 96,504,709,000 | 1 | $ 55,000 |
| Park View Federal Credit Union 1675 VIRGINIA AVENUE HARRISONBURG, VA 22802 |
* | $ 343,001,000 | 1 | $ 205,000 |
| Vellum Mortgage, Inc. 12700 FAIR LAKES CIR SUITE 400 FAIRFAX, VA 22033 |
* | $ -1,000 | 1 | $ 215,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 7,481,805,000 | 1 | $ 25,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 455,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 65,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 265,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 35,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 195,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 35,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ -1,000 | 1 | $ 85,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 1 | $ 125,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 125,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 135,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 115,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 235,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 235,000 |
| Partners 1st Federal Credit Union 1330 DIRECTORS ROW FORT WAYNE, IN 46808 |
* | $ 607,818,000 | 1 | $ 105,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 155,000 |
The tables below break down 2023 mortgage applications in Pendleton County, WV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Pendleton County, WV in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 76 | $12,440,000 | $163,000 | $585,000 | $88,000 | $264,000 |
| Cash-out Refinancing | 29 | $4,455,000 | $153,000 | $455,000 | $88,000 | $385,000 |
| Other Purpose | 17 | $1,165,000 | $68,000 | $225,000 | $75,000 | $142,000 |
| Refinancing | 9 | $805,000 | $89,000 | $195,000 | $61,000 | $104,000 |
| Home Improvement | 8 | $440,000 | $55,000 | $105,000 | $114,000 | $212,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 111 | $14,385,000 | $129,000 | $585,000 | $85,000 | $385,000 |
| Not Provided | 14 | $2,430,000 | $173,000 | $465,000 | $101,000 | $264,000 |
| Not applicable | 12 | $2,320,000 | $193,000 | $455,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $32,000 | $32,000 |
| Hispanic | 1 | $135,000 | $135,000 | $135,000 | $35,000 | $35,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 105 | $13,175,000 | $125,000 | $585,000 | $89,000 | $385,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,805,000 | $165,000 | $465,000 | $67,000 | $141,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,735,000 | $210,000 | $455,000 | $94,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $590,000 | $147,000 | $195,000 | $59,000 | $89,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 68 | $10,360,000 | $152,000 | $465,000 | $101,000 | $385,000 |
| Application Denied By Financial Institution | 31 | $2,955,000 | $95,000 | $215,000 | $68,000 | $212,000 |
| Application Withdrawn By Applicant | 18 | $1,850,000 | $102,000 | $275,000 | $70,000 | $215,000 |
| File Closed For Incompleteness | 8 | $1,130,000 | $141,000 | $265,000 | $61,000 | $112,000 |
| Application Approved But Not Accepted | 7 | $1,345,000 | $192,000 | $585,000 | $82,000 | $170,000 |
| Loan Purchased By The Institution | 7 | $1,665,000 | $237,000 | $455,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 97 | $15,055,000 | $155,000 | $585,000 | $93,000 | $385,000 |
| Debt-To-Income Ratio | 22 | $2,250,000 | $102,000 | $275,000 | $76,000 | $212,000 |
| Credit History | 7 | $455,000 | $65,000 | $95,000 | $61,000 | $94,000 |
| Other | 3 | $355,000 | $118,000 | $185,000 | $71,000 | $118,000 |
| Collateral | 3 | $465,000 | $155,000 | $215,000 | $73,000 | $96,000 |
| Credit Application Incomplete | 2 | $80,000 | $40,000 | $45,000 | $34,000 | $37,000 |
| Unverifiable Information | 2 | $190,000 | $95,000 | $145,000 | $79,000 | $113,000 |
| Employment History | 2 | $310,000 | $155,000 | $165,000 | $64,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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